It's probably also worth noting a couple of things regarding the make up of points.
Base credit - this is the minimum points you receive for a work unit returned before the expiry date/time. The base credit wildly varies from a few hundred point to over a hundred thousand points. Summary of current projects ->
https://apps.foldingathome.org/psummary
Quick return bonus (QRB) - extra points if the stars align and you complete and return the unit before the timeout.
Estimated Credit/PPD - these are just estimates based on the current workload and performance and include the QRB. These depend on a lot of factors and so should not be counted as points in the bank.
Just now my own system seems to be alternating between 3 projects (18202, 13453 and 17336), some of these units push close to 3million PPD and other drop to 2.2 million PPD. Not a complaint, just a comment - it varies.
Received points - Uh, these are the points you have actually received for work done. There are a number of tools across various websites for tracking this. Personally, I recommend Extreme overclocking ->
https://folding.extremeoverclocking.com
Deadlines - There are two deadlines for returning completed work units.
Timeout - this is the first major checkpoint. You can receive bonus points up to the point. At this point the unit is reassigned to someone else to ensure science progresses.
Expiry - Up to this point your contribution still has some value either in who returns it first (you or your replacement) and/or as a double check of the results. I believe this is the point where the unit is deemed worthless and is dumped (I've never seen it happen but that's what I've been lead to believe).